Congratulations. If you hear about a market crash in the news at some point in the coming weeks/months/years - the best thing for you to do might be not to log in and look until things are on the way to recovery :) So true - in 2008 I stopped opening my quarterly 401K statements. I knew the market ...

Trade in the 2003 Pilot for a Lexus, now. You drive the 2015 and the wife gets the lexus (assuming she wants that car, of course) why wait till later? as others have said those makes/models might not even exist when you are ready to buy. If you are going to retire at 54 and are already planning ahea...

Have a tentative appointment scheduled for tomorrow to test drive the Sport They refuse to give me a bottom line number but did say they would beat the 21,300 quote I have elsewhere Printed out that quote as proof ... they said they could take a $500 deposit on the car and hold it for me until I ne...

bump rather than new thread... moving this week. 2 trucks, 5 movers at 230/hr. estimate 8-9 hours, so it will be right around $2,000. family members have used this company twice before. house is 4 bedrooms plus 4 rooms (~2500 sq ft). 2 adults and a 4-year old (to get an idea of contents); moving int...

I looked at my dealers website. 2018 civic hatchback (4 in stock) LX: MSRP is $21575. After Instant savings $20,689 3 Sport models MSRP is 23,175. After savings 22170 MSRP is 23,175. After 22,095. Special financing through Honda is for the 2017 model. I didn’t see any for the 2018 My credit union ha...

Term life Insurance 529 Charitable contributions Home improvements Upgrade vehicles if old Vacation Vacation home Though I think you are looking for ways to make your money work for you. These probably are bad ideas that I came up with Open a business Buy a franchise Rental property Silent owner of ...

I don't understand the concept of a buyer "getting back" money from a closing. I am walking away with more cash from the sale of my home than I need to complete the purchase of the new (to me) house. I chose to borrow more to get some equity back. But my numbers were based on the original amounts p...

If you are going to pay down the mortgage with your extra I would wait a until a few payments have been made on the loan to ensure the current lender is not going to sell the mortgage right away and you end up with a new servicer. You also need to make sure the extra payment is applied to principal...

You bought a home to live in, not as an investment. At that low mortgage interest rate, put that $4K to work in an investment that will return better than your actual mortgage rate (interest rate - your tax deduction). Once you have amassed a tremendous amount of wealth to cover all of your retirem...

My only reluctance in funding my employed teen's Roth IRA is their financial priorities don't lend towards retirement savings. I'd rather put that money in a 529 or a vehicle that lends itself towards withdrawal for a down payment on a house when my kids are ready. They can save for their own retir...

I don't understand the concept of a buyer "getting back" money from a closing. I am walking away with more cash from the sale of my home than I need to complete the purchase of the new (to me) house. I chose to borrow more to get some equity back. But my numbers were based on the original amounts p...

My only reluctance in funding my employed teen's Roth IRA is their financial priorities don't lend towards retirement savings. I'd rather put that money in a 529 or a vehicle that lends itself towards withdrawal for a down payment on a house when my kids are ready. They can save for their own retir...

$200,000 mortgage 30-year 3.875% $940/month(P&I) My first payment will be coming due soon. the lender overestimated closing costs originally and I will be getting an extra $4K (~$19k total back) than I had planned. Playing with the amortization schedule, If I pay $3940 for the first payment that kno...

You have already paid the majority of the interest with the loan. [/b][/u] True - but that is not because interest on loans is "front loaded" any more. That used to be the case a generation or two ago, but in recent years all of the auto loans I have seen charge interest on the unpaid balance (prin...

You have already paid the majority of the interest with the loan. If you have an emergency and your EF is low will you need to borrow or charge a certain amount to cover it? Chances are that rate will be higher than the car loan. Anyways I would do the math this way if you want to be done with it. A...

Do not pay in full. They will make you pay more if they know you could pay in cash. Take the Honda financing. The dealer will be happier if you finance the purchase. Put a few thousand down to get the 250-275 per month payment. Pay it off whenever you feel like it. Buy new. I paid 20800 for a 2017 A...

He has savings accounts (2) and an investment account of his own (MGK, MGV, AAPL, BRKB). He is 4 years old now. a 4 year old can buy stock? and have an investment account solely in their own name? Thanks for catching my slip up. They are UTMA or whatever. Some people invest “for” their kids in an a...

Do colleges allow freshman to have a car on campus? Why are you so anxious to give her several avenues for spending? You are already seeing her current spending habits but want to get a credit card and a checking account. I also am not surprised that she shows no interest in tracking her spending. N...

Outdoors beat me to it but here is my reply anyways Do you have term life insurance for yourself? Are you maxing out your tax sheltered investment accounts (401k or similar, Roth) or at least contributing a good portion of your income? For the newborn, a savings account is good. Consider an online o...

Me: (via email). Hi Mary I would like to purchase 2017 Honda Accord LX (stock number xxxxx) for $20xxx plus tax and tags transferred. I will finance with Honda Financial at the 0.9% for 48 months. I will trade in my 2011 Accord that you sold to me. I will be in tomorrow at 4pm. Mary: Ok. I can do th...

$112,500 Adjustable Rate Mortgage - current rate 4.15% (will be adjusted next fall), 25 years remaining, house is worth $230,000 or more If we were to refinance to a 15-year fixed, our current bank (small credit union) would give a 3.85% interest rate with $1,600 in closing costs. Those are a lot o...

Thats what I told her [about - moderator prudent] training her replacement, she doesn't owe them anything and the nerve of her employer to even ask her that. That day I told her to quit right there on the spot. I think the last thing someone who is being let go should say is I quit - then they lose...

Thanks for all replies, much appreciated. I will follow-up with posted suggestions and use site bh site tools to reduce my stress and gain investment knowledge. Does giving someone $50,000+Fund fees of your money over 5 years stress you out? If so, then you definitely want to manage your own accoun...

I am at cross with my wife on this. I would appreciate people's reaction here. Thanks a lot for your help. I find that my wife is usually more in tune with these kinds of things than me. I'd want to give the teacher x, but apparently something as simple as a target gift card is even better. I am th...

What I can hear from most of you are to open a 529 plan. My concern is if there occurs any urgent family emergency situation and I need money, then we should be able to take from this account. but with 529 plan, we can't right ? So that directs me to ask - What is your opinion about opening a Savin...

It usually takes at least 1 - 2 pay periods for a new contribution level to take effect. So OP needs to jump on changing the contributions if he/she wants to have some impact before the end of the year. My bonus for 2017 will be paid out in 2018 :annoyed - But at least it makes for easier tax plann...

4. Any car negotiating tips would be appreciated ... Pretty much sold on the Civic (thinking 2017 model since it looks exactly like 2018 anyway) just going for a test drive since I finally have the afternoon free - no intention of signing anything. looks like they have some nice holiday offers / le...

I thought OP was really holding out for March 2018 so he can get his bonus that he earned in 2017. No sense leaving now and forfeiting the bonus. A lot of people get hung up on Job titles and promotions... as someone else pointed out the - upside versus downside in this situation seems to say, stay ...

Who has the greater sense of urgency with Option A - you or the buyers? meaning, if you request that they waive the need to sell their home first then you will go with them; otherwise you will do Option B. call their bluff? You could also tell Option A people you'll take a few grand less if they jus...

I can't imagine that there is any other way to do it than 50/50. You can have separate accounts, but in the end, isn't that (50/50) what marriage is supposed to be? JT You lack imagination.:) There are tons of people that are more comfortable with some split. It might seem crazy to you. Keeping fin...

Slight twist to the above: I would boost your 401k contributions for 2017 to a higher level. How many paychecks do you have left this year - 3 ? Hold onto the bonus money. Dip into it IF needed for Nov/Dec. In January 2018, Whatever money is left from the bonus at that point, put it towards the stud...

I wouldn’t pay it off if you you will be buying another home in 1-2 years. You would be tying up your cash reserves in the house and would probably be forced to sell in order to have a down payment on the next home. But wouldn’t having a HELOC allow us to use that to make a down payment without hav...

I wouldn’t pay it off if you you will be buying another home in 1-2 years. You would be tying up your cash reserves in the house and would probably be forced to sell in order to have a down payment on the next home. This would force you to have a contingency on the sale of your home when placing the...

Resurrecting old thread.. I'm about to drop the payoff check for my mortgage in the mail. It took me a little over 19 years to reach this point. I was honestly considering a FB post to brag a little but leave it to the wisdom of forum to suggest otherwise... I think I'll limit the news to a few clo...

Most of the photos are of my mother and father on several vacations, with lots of shots of cityscapes, landscapes, museums, views from boats, vista rest stops, and hotel balconies , plus groups of people (some of whom I recognized); plus, of course, myself and my sister when we were young. Any sugg...

I would stick with the ETFs if it is a taxable account. This is in my Vanguard brokerage account, so yes it is a taxable account. So now I am torn between the two and not sure what to do Agree with the above-ETF is the way to go in the taxable account. I have VTI in a Vanguard taxable account. You ...

I can tell you the heat output for any electric heater that plugs into an outlet, regardless of whether it is the $15 special at the big box store or the $400 "Amish miracle heater" is 1500W or 5100 BTU/hour. This is the key point. In addition to the type of heat (infrared, etc). Basically you are ...